FINANCE LAWYERS

We act for borrowers and lenders on asset-based lending (ABL), trade finance, supply chain finance transactions and other alternative lending arrangements.

We can help you in any type of ABL transaction, including syndicated and bilateral and ranging from simple invoice discounting arrangements, to structuring full ABL borrowing base transactions, no matter the jurisdiction(s).

As well as advising on transactions across a range of business sectors, our team handles issues such as:

• Drafting precedent documentation suites for lenders
• Portfolio acquisition and management
• Cross-border transactions
• Developing regulatory-driven, sector-specific financing solutions
• Regular input on ABL structures provided on an off-balance-sheet basis, as well as back-to-back receivables structures, block discounting and revolving collateral borrowing base facilities and Shari’a-compliant structures

Contact the Asset-Based Lending and Trade Finance team

We handle a range of domestic and international matters for many types of clients. The work ranges from complex structured transactions to regulatory and compliance advice, and covers a wide spread of asset categories and ticket sizes, including:

• Passenger and freight rolling stock and other railway assets
• Marine vessels
• Commercial vehicles and yellow goods
• Energy generation plant
• Industrial plant and machinery
• Telecommunications equipment
• Medical equipment
• Computer hardware and software
• Fixtures

Contact the Asset Finance and Leasing team

Whether you are a borrower or a lender, we enable smoother finance transactions. For over fifty years, hundreds of financial institutions and companies have relied on us each year to structure, document and deliver their global funding needs of corporates. For example:

• We help deliver both straightforward and bespoke lending structures that combine bank debt, bonds and private placements and other solutions to make transactions viable.
• We routinely advise borrowers and lenders on evolving ESG requirements, the consequent availability of funding and structures to incentivise corporates.
• We guide our clients on the myriad of factors and risks that can influence funding, from national security considerations through to sanctions and defined pension schemes.
• We promise our clients excellent service, the least possible friction and a single-minded focus: helping companies fund the next stage of their journey and allowing lenders to support that.

Contact the corporate debt team

All the major banks operating in Sterling markets and major pension funds across the UK and North America in their capacity as arrangers/bookrunners and investors and trustees and issuers (both established and debut) from around the world, have relied on our expert lawyers to deliver hundreds of major Debt Capital Market transactions in recent years, with a cumulative debt value of many billions across different currencies. 

They have sought and received our advice on secured and unsecured debt; structured and plain vanilla issues; and initial issuance, liability management and ongoing obligations. Clients have chosen us to support them across all sectors, but we have a particular specialism in public and quasi-public issuers, including providers of social housing, NHS Foundation Trusts, and local authorities, financial institutions, consumer and retail, and projects and infrastructure.

Contact the debt capital markets team

Our FS Digital Solutions team delivers a future-focussed, tech-native response. We specialise in supporting financial services and private capital firms to navigate complexity, manage risk, and unlock new capabilities. Our approach combines deep sector expertise with advanced technologies including AI, automation, and expert systems to optimise delivery, improve efficiency, and enhance client value. 

Technology is a fundamental part of how we provide the service and how the output is delivered to you. From transaction execution and due diligence to risk control and regulatory compliance monitoring, our approach helps clients accelerate decision-making and execution, improve consistency, predictability and cost-control, and access rich data insights.

We bring together marketing-leading legal expertise in finance and financial services, deep sector insight and advanced technologies to deliver services including:

• Automating review of investment assets against eligibility and regulatory criteria 
• Delivering live, interactive analysis of finance and trading terms to support operations and decision-making
• Digitising the management of regulatory and performance obligations, payments, renewals and expiries
• Streamlining triage and approval workflows through digitisation
• Automating the drafting, negotiation and execution of flow finance documents (e.g. term sheets, commitment letters, short-form facility and security agreements)
• Conducting automated compliance reviews of finance and fund documentation
• Accelerating the review of standard contracts against policies and playbooks
• Digitising investor onboarding and automating subscription document processes
• Enabling digital investor disclosure, election and capture of investor elections
• Systematising carried interest award management and automating associated documentation

Contact the financial services digital solutions team

We act for lenders and borrowers on funds finance facilities for funds across a range of sectors including private equity, credit, infrastructure, renewables, energy, real estate and secondaries funds. 

Our regular work includes funds finance products from subscription or capital call to hybrid and NAV, umbrella, manager and co-invest facilities and preferred equity solutions.

The team advises on facilities to a large range of fund structures around the world, whether they are based in the UK, key continental European jurisdictions, the US, Asia, Africa or major offshore jurisdictions. We work closely with the firm's Investment Management group and Funds & Indirect Real Estate team, as well as experts in the relevant sectors. The team also acts for a growing number of the most active lenders in the European market, as well as for large, international, alternative asset managers.

Contact the funds finance team

As the UK continues to experience high levels of population growth, and UK residents are living longer and healthier, the over 65s will soon represent almost 25% of the population. Accordingly, the retirement living sector represents a clear opportunity for funding as it continues to grow. The market has seen a number of transactions, including REIT and PE investment, and the trend for retirement village developments across the UK, which is anticipated to be a significant growth area.

Healthcare finance is a core business stream for Addleshaw Goddard and we have created a national team that work seamlessly across our UK offices, supported by a wider group of partners to ensure the highest  calibre of expertise.  Our dedicated cross-disciplinary healthcare team has amassed hands–on expertise across virtually every area of healthcare and is recognised as one of the UK's leading law firms

We have expertise in and experience of advising across a broad range of financing including M&A transactions, real estate finance, portfolio acquisitions, debt restructuring and developments.

Contact the healthcare finance team

We have significant experience across a range of financing transactions throughout the mid-market for both lender and private equity sponsor clients.

Our team advises the firm's clients on senior debt facilities, second lien, mezzanine, unitranche facilities, first out/last out and super senior facilities and we are also specialised in dealing with transactions where asset-based lending facilities are used in leveraged structures.

Meet the leveraged finance team

Our Private Wealth Group provides bespoke services and solutions on both a national and international scale. The Group's client base includes entrepreneurs, business executives, landowners and trustees, all of whom benefit from its unique position within a large, commercial law firm.

Expertise and experience ranges from personal estate planning through to the management of complex, multimillion-pound estates and trusts. We also have extensive experience of complex trust and estate disputes/litigation as well as experience of offshore tax planning structures.

The team acts for many charities and advises on the wide variety of transactions they become involved in. These include fundraising issues, governance and structural matters, trading, taxation, mergers and trustees' duties and responsibilities, as well assisting with complex commercial transactions.

Contact the private wealth finance team

Our core team comprises over 40 lawyers who specialise in real estate finance and have in-depth knowledge of the market and the full spectrum of debt financing techniques.

We act for a variety of key participants in the UK, European and Middle Eastern property finance markets including leading UK, European and US banks (clearing and investment), international debt and equity funds, insurance companies, sponsors, developers and overseas investors.

We have a deep understanding of the industry and the people working in it combining years of experience and industry knowledge with a pragmatic approach focused on the successful delivery of our clients’ goals.

Contact the real estate finance team